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Fixed Annuity Calculator

Enter your annuity details

$
$

Added at the start of each year.

yrs
yrs

You cash out the whole value at this age.

%
yrs
%

The renewal rate you expect the insurer to credit.

%

The contract floor, used for the guaranteed value.

Percent of the value charged if you cash out in contract year 1, 2, 3 and so on, separated by commas. Leave blank if there is none.

%

Your marginal rate, federal plus state.

%
%

For example a savings account or CD, with the interest taxed every year.

More options
%

Part of the value you can take each year without a surrender charge. Use 0 if the contract has none.

Your results

Annuity after tax at withdrawal

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Taxable account after tax

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Difference from tax deferral

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Annuity value before tax

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Total deposited
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Interest credited
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Value at the minimum guaranteed rate
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Surrender charge at withdrawal
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Income tax on the earnings
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Early withdrawal tax
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Annuity earnings are taxed as ordinary income only when withdrawn, here as one lump sum. Rates after the initial period are not guaranteed above the contract minimum.

Year-by-year value

What the annuity is worth each year, what you would keep after surrender charges and tax if you cashed out then, and the taxable account for comparison.

YearAgeAnnuity valueSurrender chargeAnnuity after taxTaxable account

Results are estimates for educational purposes and are not financial, tax or legal advice.

Project how a deferred fixed annuity grows at its guaranteed and expected rates, what surrender charges and tax would take, and how it compares with a taxable account. Next, open the annuity calculator online and enter your own details to see an estimate in seconds.